{"id":31167,"date":"2025-08-18T11:36:32","date_gmt":"2025-08-18T10:36:32","guid":{"rendered":"https:\/\/new.contentdeployment.co.uk\/tomd\/2025\/08\/15\/home-insurance-premiums-and-claims-increase\/"},"modified":"2025-08-20T13:25:28","modified_gmt":"2025-08-20T12:25:28","slug":"home-insurance-premiums-and-claims-increase","status":"publish","type":"post","link":"https:\/\/new.contentdeployment.co.uk\/tomd\/2025\/08\/18\/home-insurance-premiums-and-claims-increase\/","title":{"rendered":"Home insurance premiums and claims increase"},"content":{"rendered":"
\n
UK combined home insurance premiums rose 8.5% to an average of \u00a3231 according to recent data <\/td>Material shortages, labour expenses and inflation rates have driving up repair and rebuild costs <\/td>Make sure you don\u2019t invalidate your insurance by leaving a spare key where it can be easily found <\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n
\n

Extreme weather conditions. Rising construction costs. Higher property prices. These are some of the factors that have contributed to an 8.5% increase in combined home insurance premiums in the UK.<\/strong> <\/p>\n<\/div>\n\n

\n

According to data1<\/sup> for the fourth quarter of 2024, the average cost for an annual buildings and contents policy rose to \u00a3231 a year \u2013 although there are significant regional variations. For example, the median cost for Greater London, the second most expensive location, came in at \u00a3336, while Scotland was closer to the national average at \u00a3228. The cheapest regions were the North East at \u00a3190 and the North West at \u00a3196. <\/p>\n<\/div>\n\n

\n

Material shortages, labour expenses and inflation rates have all played a part in driving up repair and rebuild costs for insurers, who have also seen a surge in claims. A record \u00a3886m2<\/sup> was paid out for domestic property claims by British insurers in the first quarter of 2025, a 20% increase on the same period last year, with adverse weather a major cause. <\/p>\n<\/div>\n\n

\n

Weather the storm <\/h2>\n<\/div>\n\n
\n

Despite the uptick, there are ways to save on your home insurance: from taking out a combined policy and avoiding unnecessary add-ons to shopping around and paying annually. The premium you pay will also be influenced by factors closer to home: from bedroom numbers to burglar alarms. We can help you source the most suitable cover for your needs. <\/p>\n<\/div>\n\n

\n

Planning a summer holiday? <\/h2>\n<\/div>\n\n
\n

Make sure you don\u2019t invalidate your insurance by leaving a spare key where it can be easily found. Most policies only accept theft claims if there are signs of a forced entry. <\/p>\n<\/div>\n\n

\n

1<\/sup>Go.Compare, 2025, 2<\/sup>ABI, 2025 <\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

UK combined home insurance premiums rose 8.5% to an average of \u00a3231 according to recent data  Material shortages, labour expenses and inflation rates have driving up repair and rebuild costs  Make sure you don\u2019t invalidate your insurance by leaving a spare key where it can be easily found  Extreme weather conditions. Rising construction costs. Higher […]<\/p>\n","protected":false},"author":12,"featured_media":31176,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[32,91],"tags":[],"hd_content_source":[116],"_links":{"self":[{"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/posts\/31167"}],"collection":[{"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/comments?post=31167"}],"version-history":[{"count":1,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/posts\/31167\/revisions"}],"predecessor-version":[{"id":31172,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/posts\/31167\/revisions\/31172"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/media\/31176"}],"wp:attachment":[{"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/media?parent=31167"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/categories?post=31167"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/tags?post=31167"},{"taxonomy":"hd_content_source","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/hd_content_source?post=31167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}